Where and when do people begin to acquire the foundations of financial capability? CFPB researched the origins of financial capability and well-being and identified those roots and promising practices and strategies to support their development.

BUILDING BLOCKS TO HELP YOUTH ACHIEVE FINANCIAL CAPABILITY is a report that describes four key strategies to help young people acquire the “building blocks” that will help them navigate the financial marketplace as adults. The building blocks include, 1) executive function, 2) financial habits and norms, and 3) financial knowledge and decision-making skills.

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MONEY HABITUDES is a deck of cards that incorporates behavioral economics concepts and helps people understand their money behaviors and decisions, and their strengths and challenges when it comes to money management. The cards can be used as an ...